Health Insurance in Miami, Florida
Comparing 2026 plans in Miami-Dade County? Here's what Miami residents need to know — and how to find your lowest-cost option.
Reviewed by Your Name · Licensed Florida Health Insurance Agent
Updated June 2026. Written and reviewed by a licensed agent at United Liberty Insurance Agency LLC to ensure accuracy. We cite official sources (HealthCare.gov, CMS, KFF) wherever possible.
The Miami market at a glance
Miami-Dade has the largest ACA marketplace enrollment in the country, with strong competition among Florida Blue, Ambetter, Oscar, and Molina.
Your coverage options in Miami
- ACA marketplace plans — for most residents under 65; subsidies may apply. See 2026 changes →
- Medicare Advantage — for residents 65+ or on disability. Compare FL Medicare plans →
- Private / self-employed plans — for 1099 workers and business owners.
How much does health insurance cost in Miami?
Premiums in Miami-Dade County depend on your age, income, household size, and the plan you choose. With the 2026 subsidy changes, the plan you pick matters more than ever — the difference between the right and wrong Silver plan can be hundreds of dollars a month. Estimate your subsidy →